Basic insurance with a health network

OptiMed insurance model is a cost-effective alternative to standard insurance. It provides access to networks of general practitioners. You choose a doctor from the OptiMed list and consult this doctor first in all medical matters.


  • When signing up to the insurance, I choose a general practitioner among the doctors on the OptiMed list.
  • No list is required for children, but you must choose a general practitioner (GP).
  • I consult this doctor first in all medical matters (except in an emergency or in cases specified in the terms and conditions of insurance).
  • This doctor will provide medical care or refer me to the relevant specialist or medical facilities.


  • I can sign up to the OptiMed model only if I live in one of the following cantons: Aargau, Appenzell (AI/AR), Bern, Basel-Land, Basel-Stadt, Fribourg, Geneva, Graubünden, Luzern, Neuchâtel, St. Gallen, Schaffhausen, Solothurn, Schwyz, Thurgau, Uri, Vaud, Valais, Zug, Zurich.
  • The insurance model is not yet available in the cantons of Glarus, Jura, Nidwalden, Obwalden and Ticino.
  • The list of network doctors can be found in Documents and lists of doctors


Available Deductibles

The ordinary deductible is CHF 300 for adults and CHF 0 for children.
I can reduce my premium by increasing my deductible.

  • Savings: I am able to benefit from an attractive discount.
  • Trust: my general practitioner provides primary care and coordinates follow-up treatment efficiently.
  • Quality: the health networks organise quality and cost-effectiveness circles for member doctors and issue best practice recommendations.

Request advice

Do you have any questions about OptiMed? Our specialist advisers are here to help.

Frequently asked questions

When you join a health network model, you choose your general practitioner from the list corresponding to the chosen model (OptiMed). You will need to consult this doctor first in the event of a medical problem. If necessary, the doctor will refer you to a suitable specialist.
By opting for a health network system, you will benefit from high quality medical care and help to contain rising health costs. This will allow you to benefit from a discount on your insurance premium!

The compulsory insurance (AOS/OKP) covers a maximum of six nutritional advice sessions per medical prescription. If additional sessions are required, the prescription can be renewed.

Yes, anyone legally resident in Switzerland must take out compulsory health insurance within three months of taking up residence or being born. If the person in question does not sign up on their own or if they are not signed up by their legal representative within this period, they will be automatically registered by the canton or commune of residence.

In the event of an unjustifiable delay in signing up to the insurance, interest on arrears will be charged by the insurer.

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